Share Price and Basic Stock Data
Last Updated: February 7, 2026, 8:52 pm
| PEG Ratio | 0.00 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
ESAF Small Finance Bank Ltd operates within the private sector banking industry, with a current market capitalization of ₹1,449 Cr and a share price of ₹28.1. The bank has demonstrated a robust revenue trajectory, with reported revenues increasing from ₹701.28 Cr in December 2022 to ₹943.37 Cr by September 2023. This upward trend continued into December 2023, where revenue stood at ₹974.40 Cr. However, the growth appears to moderate in subsequent quarters, with revenues projected to decline to ₹892.06 Cr in March 2025. Despite this, the overall revenue growth from ₹2,854 Cr in March 2023 to ₹3,862 Cr in March 2025 indicates a healthy expansion compared to historical figures, showcasing the bank’s ability to enhance its market presence and customer base.
Profitability and Efficiency Metrics
Profitability remains a significant concern for ESAF Small Finance Bank, as indicated by a net loss of ₹591 Cr for the financial year ending March 2025, compared to a net profit of ₹302 Cr in March 2023. The bank’s profitability metrics reveal a net profit margin of -13.49% for the same period, reflecting operational challenges. The financing profit has also fluctuated significantly, with a notable negative shift to -₹1,101 Cr in March 2025 from a positive ₹160 Cr in March 2023. The Return on Equity (ROE) was reported at an alarming -26.75% for March 2025. Meanwhile, the bank’s efficiency metrics, including a Cost to Income ratio of 77.88%, suggest that expenses are rising disproportionately compared to income, which is a red flag for financial health.
Balance Sheet Strength and Financial Ratios
ESAF Small Finance Bank’s balance sheet shows a mixed picture, with total assets standing at ₹27,178 Cr as of March 2025. The bank’s equity capital increased to ₹515 Cr, while reserves decreased to ₹1,434 Cr from ₹1,977 Cr in March 2024. The Gross Non-Performing Assets (NPA) ratio rose to 8.54% in September 2025, indicating deteriorating asset quality compared to 1.65% in June 2023. The Price to Book Value (P/BV) ratio is reported at 0.64, suggesting that the bank is trading below its book value, which may attract value investors. However, the Return on Assets (ROA) of -1.91% raises concerns about the bank’s ability to generate profit relative to its total assets. These financial ratios highlight both the potential undervaluation of the bank and the pressing need for improved asset quality management.
Shareholding Pattern and Investor Confidence
The shareholding structure of ESAF Small Finance Bank reflects a stable yet cautious investor sentiment. Promoters hold 63.30% of the bank’s equity, which indicates strong control over the bank’s operations. However, Foreign Institutional Investors (FIIs) hold a mere 0.16%, and Domestic Institutional Investors (DIIs) account for 5.00%, suggesting limited institutional confidence in the bank’s growth trajectory. Public shareholding stands at 31.53%, which has slightly increased from previous quarters. The number of shareholders has shown growth, with 1,13,955 shareholders recorded as of September 2025, highlighting continued interest from retail investors. Nevertheless, the declining investor confidence is concerning given the bank’s recent financial performance, particularly its net losses and rising NPAs.
Outlook, Risks, and Final Insight
The outlook for ESAF Small Finance Bank hinges on its ability to rectify current operational inefficiencies and enhance asset quality. The bank faces several risks, including a high Gross NPA ratio, which could further erode profitability if not managed effectively. Additionally, the rising expenses relative to revenue growth may continue to pressure margins. On the upside, the bank’s low P/BV ratio could present an opportunity for value-oriented investors, provided that it can stabilize its financial performance. The bank must focus on improving its net interest margins and controlling costs to restore profitability. A strategic focus on risk management and operational efficiency will be critical to navigate the challenges ahead and enhance shareholder value in the long term.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Fino Payments Bank Ltd | 1,950 Cr. | 234 | 339/180 | 27.2 | 90.5 | 0.00 % | 6.64 % | 13.3 % | 10.0 |
| ESAF Small Finance Bank Ltd | 1,505 Cr. | 29.2 | 36.5/24.3 | 33.9 | 0.00 % | 4.28 % | 23.5 % | 10.0 | |
| Capital Small Finance Bank Ltd | 1,188 Cr. | 262 | 331/249 | 8.77 | 306 | 1.53 % | 7.04 % | 10.4 % | 10.0 |
| Yes Bank Ltd | 66,806 Cr. | 21.3 | 24.3/16.0 | 21.0 | 16.0 | 0.00 % | 6.36 % | 5.46 % | 2.00 |
| Ujjivan Small Finance Bank Ltd | 12,200 Cr. | 62.9 | 68.0/30.9 | 24.7 | 32.1 | 0.00 % | 8.53 % | 12.4 % | 10.0 |
| Industry Average | 162,472.13 Cr | 352.47 | 17.85 | 214.17 | 0.58% | 6.84% | 11.80% | 6.30 |
Quarterly Result
| Metric | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 701.28 | 773.80 | 898.72 | 943.37 | 974.40 | 1,002.00 | 1,022.34 | 995.28 | 947.85 | 892.06 | 828.23 | 819.82 | 894.05 |
| Interest | 249.93 | 274.91 | 313.29 | 346.79 | 377.40 | 411.25 | 434.10 | 456.06 | 462.87 | 457.65 | 450.36 | 448.02 | 461.72 |
| Expenses | 481.23 | 456.69 | 504.75 | 487.20 | 567.10 | 682.06 | 618.72 | 833.61 | 881.30 | 819.97 | 682.21 | 672.38 | 692.59 |
| Financing Profit | -29.88 | 42.20 | 80.68 | 109.38 | 29.90 | -91.31 | -30.48 | -294.39 | -396.32 | -385.56 | -304.34 | -300.58 | -260.26 |
| Financing Margin % | -4.26% | 5.45% | 8.98% | 11.59% | 3.07% | -9.11% | -2.98% | -29.58% | -41.81% | -43.22% | -36.75% | -36.66% | -29.11% |
| Other Income | 80.91 | 94.02 | 93.06 | 78.91 | 119.95 | 149.84 | 115.40 | 39.73 | 113.93 | 144.72 | 195.14 | 145.16 | 269.39 |
| Depreciation | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit before tax | 51.03 | 136.22 | 173.74 | 188.29 | 149.85 | 58.53 | 84.92 | -254.66 | -282.39 | -240.84 | -109.20 | -155.42 | 9.13 |
| Tax % | 26.69% | 25.58% | 25.20% | 25.58% | 25.17% | 25.94% | 26.08% | -25.36% | -25.32% | -23.94% | -25.62% | -25.49% | 22.02% |
| Net Profit | 37.41 | 101.38 | 129.96 | 140.12 | 112.14 | 43.35 | 62.77 | -190.07 | -210.90 | -183.19 | -81.22 | -115.81 | 7.12 |
| EPS in Rs | 0.83 | 2.26 | 2.89 | 3.12 | 2.18 | 0.84 | 1.22 | -3.69 | -4.09 | -3.55 | -1.58 | -2.25 | 0.14 |
| Gross NPA % | 7.24% | 2.49% | 1.65% | 2.64% | 4.16% | 4.76% | 6.61% | 6.98% | 6.96% | 6.87% | 7.48% | 8.54% | 5.64% |
| Net NPA % | 3.73% | 1.13% | 0.81% | 1.19% | 2.19% | 2.26% | 3.22% | 2.98% | 2.97% | 2.99% | 3.77% | 3.83% | 2.73% |
Last Updated: February 2, 2026, 2:16 am
Below is a detailed analysis of the quarterly data for ESAF Small Finance Bank Ltd based on the most recent figures (Dec 2025) and their trends compared to the previous period:
- For Interest, as of Dec 2025, the value is 461.72 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 448.02 Cr. (Sep 2025) to 461.72 Cr., marking an increase of 13.70 Cr..
- For Expenses, as of Dec 2025, the value is 692.59 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 672.38 Cr. (Sep 2025) to 692.59 Cr., marking an increase of 20.21 Cr..
- For Other Income, as of Dec 2025, the value is 269.39 Cr.. The value appears strong and on an upward trend. It has increased from 145.16 Cr. (Sep 2025) to 269.39 Cr., marking an increase of 124.23 Cr..
- For Depreciation, as of Dec 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Sep 2025) which recorded 0.00 Cr..
- For Profit before tax, as of Dec 2025, the value is 9.13 Cr.. The value appears strong and on an upward trend. It has increased from -155.42 Cr. (Sep 2025) to 9.13 Cr., marking an increase of 164.55 Cr..
- For Tax %, as of Dec 2025, the value is 22.02%. The value appears to be increasing, which may not be favorable. It has increased from -25.49% (Sep 2025) to 22.02%, marking an increase of 47.51%.
- For Net Profit, as of Dec 2025, the value is 7.12 Cr.. The value appears strong and on an upward trend. It has increased from -115.81 Cr. (Sep 2025) to 7.12 Cr., marking an increase of 122.93 Cr..
- For EPS in Rs, as of Dec 2025, the value is 0.14. The value appears strong and on an upward trend. It has increased from -2.25 (Sep 2025) to 0.14, marking an increase of 2.39.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: December 15, 2025, 3:46 am
| Metric | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 29 | 597 | 1,032 | 1,413 | 1,641 | 1,940 | 2,854 | 3,819 | 3,862 | 3,490 |
| Interest | 16 | 315 | 458 | 621 | 720 | 793 | 1,017 | 1,449 | 1,811 | 1,827 |
| Expenses | 31 | 357 | 538 | 646 | 879 | 1,248 | 1,676 | 2,190 | 3,152 | 3,048 |
| Financing Profit | -18 | -75 | 35 | 146 | 43 | -101 | 160 | 180 | -1,101 | -1,385 |
| Financing Margin % | -61% | -13% | 3% | 10% | 3% | -5% | 6% | 5% | -28% | -40% |
| Other Income | 19 | 102 | 109 | 133 | 127 | 208 | 288 | 442 | 467 | 597 |
| Depreciation | 0 | 0 | 17 | 23 | 29 | 33 | 42 | 51 | 59 | 0 |
| Profit before tax | 1 | 27 | 127 | 256 | 141 | 74 | 406 | 570 | -693 | -788 |
| Tax % | 0% | 0% | 29% | 26% | 25% | 26% | 26% | 25% | -25% | |
| Net Profit | 1 | 27 | 90 | 190 | 105 | 55 | 302 | 426 | -521 | -591 |
| EPS in Rs | 0.03 | 0.87 | 2.11 | 4.45 | 2.34 | 1.22 | 6.73 | 8.27 | -10.12 | -11.47 |
| Dividend Payout % | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 8% | 0% |
YoY Net Profit Growth
| Year | 2017-2018 | 2018-2019 | 2019-2020 | 2020-2021 | 2021-2022 | 2022-2023 | 2023-2024 | 2024-2025 |
|---|---|---|---|---|---|---|---|---|
| YoY Net Profit Growth (%) | 2600.00% | 233.33% | 111.11% | -44.74% | -47.62% | 449.09% | 41.06% | -222.30% |
| Change in YoY Net Profit Growth (%) | 0.00% | -2366.67% | -122.22% | -155.85% | -2.88% | 496.71% | -408.03% | -263.36% |
ESAF Small Finance Bank Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 8 years from 2017-2018 to 2024-2025.
Growth
Last Updated: September 5, 2025, 3:26 pm
Balance Sheet
Last Updated: January 7, 2026, 5:25 pm
| Month | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 302 | 312 | 428 | 428 | 449 | 449 | 449 | 515 | 515 | 516 |
| Reserves | 4 | 31 | 466 | 656 | 903 | 962 | 1,266 | 1,977 | 1,434 | 1,233 |
| Deposits | 409 | 2,523 | 4,317 | 7,028 | 8,999 | 12,815 | 14,666 | 19,868 | 23,276 | 22,894 |
| Borrowing | 2,053 | 1,675 | 1,702 | 1,203 | 1,694 | 2,953 | 3,354 | 3,223 | 1,406 | 2,113 |
| Other Liabilities | 227 | 183 | 145 | 154 | 293 | 528 | 489 | 505 | 547 | 374 |
| Total Liabilities | 2,994 | 4,724 | 7,058 | 9,470 | 12,339 | 17,708 | 20,224 | 26,087 | 27,178 | 27,129 |
| Fixed Assets | 33 | 69 | 86 | 116 | 133 | 159 | 188 | 205 | 237 | 435 |
| CWIP | 0 | 0 | 4 | 4 | 6 | 0 | 0 | 3 | 63 | 0 |
| Investments | 579 | 732 | 1,531 | 1,734 | 1,932 | 4,070 | 4,889 | 5,541 | 5,995 | 6,396 |
| Other Assets | 2,382 | 3,924 | 5,438 | 7,616 | 10,268 | 13,478 | 15,147 | 20,338 | 20,883 | 20,298 |
| Total Assets | 2,994 | 4,724 | 7,058 | 9,470 | 12,339 | 17,708 | 20,224 | 26,087 | 27,178 | 27,129 |
Below is a detailed analysis of the balance sheet data for ESAF Small Finance Bank Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Equity Capital, as of Sep 2025, the value is 516.00 Cr.. The value appears strong and on an upward trend. It has increased from 515.00 Cr. (Mar 2025) to 516.00 Cr., marking an increase of 1.00 Cr..
- For Reserves, as of Sep 2025, the value is 1,233.00 Cr.. The value appears to be declining and may need further review. It has decreased from 1,434.00 Cr. (Mar 2025) to 1,233.00 Cr., marking a decrease of 201.00 Cr..
- For Other Liabilities, as of Sep 2025, the value is 374.00 Cr.. The value appears to be improving (decreasing). It has decreased from 547.00 Cr. (Mar 2025) to 374.00 Cr., marking a decrease of 173.00 Cr..
- For Total Liabilities, as of Sep 2025, the value is 27,129.00 Cr.. The value appears to be improving (decreasing). It has decreased from 27,178.00 Cr. (Mar 2025) to 27,129.00 Cr., marking a decrease of 49.00 Cr..
- For Fixed Assets, as of Sep 2025, the value is 435.00 Cr.. The value appears strong and on an upward trend. It has increased from 237.00 Cr. (Mar 2025) to 435.00 Cr., marking an increase of 198.00 Cr..
- For CWIP, as of Sep 2025, the value is 0.00 Cr.. The value appears to be declining and may need further review. It has decreased from 63.00 Cr. (Mar 2025) to 0.00 Cr., marking a decrease of 63.00 Cr..
- For Investments, as of Sep 2025, the value is 6,396.00 Cr.. The value appears strong and on an upward trend. It has increased from 5,995.00 Cr. (Mar 2025) to 6,396.00 Cr., marking an increase of 401.00 Cr..
- For Other Assets, as of Sep 2025, the value is 20,298.00 Cr.. The value appears to be declining and may need further review. It has decreased from 20,883.00 Cr. (Mar 2025) to 20,298.00 Cr., marking a decrease of 585.00 Cr..
- For Total Assets, as of Sep 2025, the value is 27,129.00 Cr.. The value appears to be declining and may need further review. It has decreased from 27,178.00 Cr. (Mar 2025) to 27,129.00 Cr., marking a decrease of 49.00 Cr..
Overall, while many items appear to show a positive trend, any significant downward movement or items where Borrowings exceed Reserves warrant further investigation.
Cash Flow
| Month | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|
Free Cash Flow
| Month | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|
| Free Cash Flow | -378.00 | 355.00 | 534.00 | 639.00 | 871.00 | -11.00 | -13.00 | -17.00 | -20.00 |
Free Cash Flow = Income Generated from Operational Activities - Borrowings - Capital Work in Progress (CWIP)
Consistent positive free cash flow is crucial for businesses as it indicates their ability to generate cash from their core operations. It provides financial flexibility, allowing companies to invest in growth opportunities, pay dividends to shareholders, reduce debt, and weather economic downturns more effectively.
Financial Efficiency Indicators
| Month | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|
| ROE % | 8% | 15% | 19% | 9% | 4% | 19% | 20% | -23% |
Mutual Fund Holdings
| Fund Name | No of Shares | AUM (%) | Amount Invested (Cr) | Previous Number of Shares | Previous Date | Percentage Change |
|---|---|---|---|---|---|---|
| Motilal Oswal Nifty Microcap 250 Index Fund | 142,909 | 0.05 | 0.74 | 142,909 | 2025-04-22 15:56:50 | 0% |
Key Financial Ratios
| Month | Mar 25 | Mar 24 | Mar 23 | Mar 22 | Mar 21 |
|---|---|---|---|---|---|
| Face Value | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 |
| Basic EPS (Rs.) | -10.13 | 8.96 | 6.73 | 1.22 | 2.46 |
| Diluted EPS (Rs.) | -10.12 | 8.94 | 6.71 | 1.22 | 2.46 |
| Cash EPS (Rs.) | -8.97 | 9.26 | 7.66 | 1.95 | 2.98 |
| Book Value[Excl.RevalReserv]/Share (Rs.) | 37.81 | 48.41 | 38.16 | 31.41 | 30.08 |
| Book Value[Incl.RevalReserv]/Share (Rs.) | 37.81 | 48.41 | 38.16 | 31.41 | 30.08 |
| Dividend / Share (Rs.) | 0.70 | 0.00 | 0.00 | 0.00 | 0.00 |
| Operating Revenue / Share (Rs.) | 74.93 | 74.17 | 63.49 | 43.16 | 36.51 |
| Net Profit / Share (Rs.) | -10.12 | 8.27 | 6.73 | 1.22 | 2.34 |
| Interest Income / Employee (Rs.) | 3084840.26 | 6399240.49 | 5668770.36 | 4684678.82 | 4315469.37 |
| Net Profit / Employee (Rs.) | -416445.29 | 713202.11 | 600582.04 | 132170.49 | 277139.10 |
| Business / Employee (Rs.) | 32990664.54 | 63953268.31 | 56793714.74 | 59048725.67 | 45140709.97 |
| Interest Income / Branch (Rs.) | 49075222.36 | 50709519.26 | 40766557.14 | 33737834.78 | 29839509.09 |
| Net Profit / Branches (Rs.) | -6625025.41 | 5651629.48 | 4319042.86 | 951857.39 | 1916290.91 |
| Business / Branches (Rs.) | 524832426.94 | 506785062.42 | 408427942.86 | 425253518.26 | 312127490.91 |
| Net Profit Margin (%) | -13.49 | 11.14 | 10.59 | 2.82 | 6.42 |
| Operating Profit Margin (%) | -20.70 | 15.13 | 14.23 | 4.04 | 10.05 |
| Return On Assets (%) | -1.91 | 1.63 | 1.49 | 0.30 | 0.85 |
| Return On Equity / Networth (%) | -26.75 | 17.07 | 17.62 | 3.87 | 7.79 |
| Net Interest Margin (X) | 7.54 | 9.08 | 9.08 | 6.47 | 7.46 |
| Cost To Income (%) | 77.88 | 58.64 | 57.92 | 63.69 | 60.30 |
| Interest Income / Total Assets (%) | 14.21 | 14.63 | 14.11 | 10.95 | 13.30 |
| Non-Interest Income / Total Assets (%) | 1.71 | 1.69 | 1.42 | 1.17 | 1.02 |
| Operating Profit / Total Assets (%) | -3.63 | -0.06 | 0.07 | -0.86 | -0.16 |
| Operating Expenses / Total Assets (%) | 7.21 | 6.32 | 6.08 | 4.87 | 5.12 |
| Interest Expenses / Total Assets (%) | 6.66 | 5.55 | 5.03 | 4.47 | 5.83 |
| Enterprise Value (Rs.Cr.) | 24595.08 | 24515.80 | 0.00 | 0.00 | 0.00 |
| EV Per Net Sales (X) | 6.37 | 6.42 | 0.00 | 0.00 | 0.00 |
| Price To Book Value (X) | 0.64 | 1.12 | 0.00 | 0.00 | 0.00 |
| Price To Sales (X) | 0.32 | 0.73 | 0.00 | 0.00 | 0.00 |
| Retention Ratios (%) | 106.91 | 100.00 | 100.00 | 100.00 | 100.00 |
| Earnings Yield (X) | -0.41 | 0.15 | 0.00 | 0.00 | 0.00 |
After reviewing the key financial ratios for ESAF Small Finance Bank Ltd, here is a detailed analysis based on the latest available data and recent trends:
- For Basic EPS (Rs.), as of Mar 25, the value is -10.13. This value is below the healthy minimum of 5. It has decreased from 8.96 (Mar 24) to -10.13, marking a decrease of 19.09.
- For Diluted EPS (Rs.), as of Mar 25, the value is -10.12. This value is below the healthy minimum of 5. It has decreased from 8.94 (Mar 24) to -10.12, marking a decrease of 19.06.
- For Cash EPS (Rs.), as of Mar 25, the value is -8.97. This value is below the healthy minimum of 3. It has decreased from 9.26 (Mar 24) to -8.97, marking a decrease of 18.23.
- For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 37.81. It has decreased from 48.41 (Mar 24) to 37.81, marking a decrease of 10.60.
- For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 37.81. It has decreased from 48.41 (Mar 24) to 37.81, marking a decrease of 10.60.
- For Dividend / Share (Rs.), as of Mar 25, the value is 0.70. This value is below the healthy minimum of 1. It has increased from 0.00 (Mar 24) to 0.70, marking an increase of 0.70.
- For Net Profit / Share (Rs.), as of Mar 25, the value is -10.12. This value is below the healthy minimum of 2. It has decreased from 8.27 (Mar 24) to -10.12, marking a decrease of 18.39.
- For Net Profit Margin (%), as of Mar 25, the value is -13.49. This value is below the healthy minimum of 5. It has decreased from 11.14 (Mar 24) to -13.49, marking a decrease of 24.63.
- For Return On Assets (%), as of Mar 25, the value is -1.91. This value is below the healthy minimum of 5. It has decreased from 1.63 (Mar 24) to -1.91, marking a decrease of 3.54.
- For Retention Ratios (%), as of Mar 25, the value is 106.91. This value exceeds the healthy maximum of 70. It has increased from 100.00 (Mar 24) to 106.91, marking an increase of 6.91.
Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.
Strength and Weakness
Stock Analysis
- Considering all of the following key financial indicators, prospective investors are encouraged to conduct thorough research and seek professional guidance before considering any investment in ESAF Small Finance Bank Ltd:
- Net Profit Margin: -13.49%
- Net Profit Margin: This metric indicates the percentage of profit a company makes from its total revenue. A higher net profit margin is generally desirable as it reflects better profitability.
- ROCE: 0% (Industry Average ROCE: 6.84%)
- ROCE (Return on Capital Employed): ROCE measures a company's profitability and the efficiency with which its capital is employed. A higher ROCE indicates efficient use of capital.
- ROE%: 0% (Industry Average ROE: 11.8%)
- ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
- Interest Coverage Ratio (Post Tax): 0
- Interest Coverage Ratio: The interest coverage ratio measures a company's ability to cover its interest payments on outstanding debt. A ratio greater than 2 is generally considered healthy as it indicates the company can meet its interest obligations comfortably.
- Quick Ratio: 0
- Quick Ratio: The quick ratio assesses a company's ability to cover its short-term liabilities with its most liquid assets. A ratio higher than 1 suggests the company can meet its short-term obligations without relying heavily on inventory.
- Stock P/E: 0 (Industry average Stock P/E: 17.85)
- Stock P/E (Price-to-Earnings) Ratio: The P/E ratio compares a company's current share price to its earnings per share. A lower P/E ratio relative to industry peers or historical values may indicate that the stock is undervalued.
- Total Debt / Equity: 0
- Total Debt / Equity: This ratio measures a company's financial leverage by comparing its total debt to its total equity. A lower ratio indicates lower financial risk and greater financial stability.
Stock Rating: - Net Profit Margin: -13.49%
About the Company - Qualitative Analysis
| INDUSTRY | ADDRESS | CONTACT |
|---|---|---|
| Finance - Banks - Private Sector | Building No.VII/83/8, Thrissur/Trichur Kerala 680651 | Contact not found |
| Management | |
|---|---|
| Name | Position Held |
| Mr. Ravimohan Periyakavil Ramakrishnan | Non Exe. Ind. Part Time Chairman |
| Dr. Kadambelil Paul Thomas | Managing Director & CEO |
| Mr. George K John | Executive Director |
| Dr. Joseph Vadakkekara Antony | Non Executive Director |
| Mr. Biju Varkkey | Ind. Non-Executive Director |
| Mr. Ravi Venkatraman | Ind. Non-Executive Director |
| Mr. Vinod Vijayalekshmi Vasudevan | Ind. Non-Executive Director |
| Mr. Thomas Jacob Kalappila | Ind. Non-Executive Director |
| Mr. John Samuel | Non Exe. & Nominee Director |
| Mr. Ajayan Mangalath Gopalakrishnan Nair | Non Exe. & Nominee Director |
| Mrs. Kolasseril Chandramohanan Ranjani | Ind. Non-Executive Director |
FAQ
What is the intrinsic value of ESAF Small Finance Bank Ltd?
ESAF Small Finance Bank Ltd's intrinsic value (as of 07 February 2026) is ₹57.78 which is 97.88% higher the current market price of ₹29.20, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's ₹1,505 Cr. market cap, FY2025-2026 high/low of ₹36.5/24.3, reserves of ₹1,233 Cr, and liabilities of ₹27,129 Cr.
What is the Market Cap of ESAF Small Finance Bank Ltd?
The Market Cap of ESAF Small Finance Bank Ltd is 1,505 Cr..
What is the current Stock Price of ESAF Small Finance Bank Ltd as on 07 February 2026?
The current stock price of ESAF Small Finance Bank Ltd as on 07 February 2026 is ₹29.2.
What is the High / Low of ESAF Small Finance Bank Ltd stocks in FY 2025-2026?
In FY 2025-2026, the High / Low of ESAF Small Finance Bank Ltd stocks is ₹36.5/24.3.
What is the Stock P/E of ESAF Small Finance Bank Ltd?
The Stock P/E of ESAF Small Finance Bank Ltd is .
What is the Book Value of ESAF Small Finance Bank Ltd?
The Book Value of ESAF Small Finance Bank Ltd is 33.9.
What is the Dividend Yield of ESAF Small Finance Bank Ltd?
The Dividend Yield of ESAF Small Finance Bank Ltd is 0.00 %.
What is the ROCE of ESAF Small Finance Bank Ltd?
The ROCE of ESAF Small Finance Bank Ltd is 4.28 %.
What is the ROE of ESAF Small Finance Bank Ltd?
The ROE of ESAF Small Finance Bank Ltd is 23.5 %.
What is the Face Value of ESAF Small Finance Bank Ltd?
The Face Value of ESAF Small Finance Bank Ltd is 10.0.